Perfil Del Cliente Juridico Ingles1
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Información estrictamente confidencial
CLIENT PROFILE The client profile is a description of the basic qualitative aspects of the business of the credit applicant. This complements all financial and legal information and is a key element for the evaluation and decision making process of the credit process in Banco GyT Continental. Reglamento de Administración de Riesgo de Crédito – Resolución de Junta Monetaria del Banco de Guatemala JM-93-2005. Place and Date of request:
San Salvador December 04, 2007San
Relationship Manager
Graciela Garcia
Place of Request
Banco GyT Continental El Salvador
1. General Information Legal company name
Texspin, S.A. de C.V.
Commercial Name
Texspin, Spintex
(NIT)
0614-071106-101-9
Economic activity the company dedicates itself to
Textile Manufacturing
Address:
Zona Franca El Pedregal Edificio 10-B Kilometro 46 ½ Carretera a la Herradura
Phone Numbers
(503)2334-6676
Fax:
N /A
Web Site
yarntex.com
Legal Representative of Company:
Spiros Pantiziris
Country:
El Salvador
City:
Country in which the proceeds from the loan will be applied
El Salvador
El Rosario, La Paz
2. Loan Information Type of Facility:
Revolving line of Credit
Amount required:
$500,000.00
Partial disbursements: Form of Payment:
Grace Period
Term:
Collateral:
Specific purpose of the funds:
Full Security
Working capital
3. Main Shareholders and percentage of participation in company Full name of shareholder
% of participation in company % % % % % %
Refer to Letter
4. Members of the Board of Directors Full Name
Departamento de Análisis de Créditos Corporativo G&T – RS – versión 2- Ag. 2006
Position
Years in Board of Directors
1 de 7
Refer to Letter
5. Name of companies where the applicant has a participation in capital, when investment represents more than 25% of the contributed capital
Name of the companies where the applicant has participation in capital (shares) N/A
% of participation in relation to applicants contributed capital % % % % %
6. Administration: Indicate the names of the managers of the company Full Name
Age
Profession
Position in the Company
Amount of time in company
Spiros Pantziris
47 years
Engineer
CEO
15 Years
7. Companies that make up the economic group Commercial Name
Affiliates
Nit
Cobalt Capital Partners PAJNA S.A.
Country Canada Panama
Name of Holding Company
N/A
Commercial Activity Investment Fund
Country
N/A
8. EVOLUTION AND COMPOSITION OF SALES of the last years and projections 2007 Composition of annual sales
2003
2004
2005
2006
Budget 2008
Información estrictamente confidencial Total sales
5M
EBITDA % local sales % sales in other countries % of sales in dollars % of sales in foreign currency
%
%
%
%
1.3M %
%
%
%
%
100%
%
%
%
%
100%
%
%
%
%
%
9. Composition of annual sales by trimester % of sales first trimester 10%
% of sales Second trimester 30%
% of sales Third trimester 30%
% of sales Fourth trimester 30%
10. Explain the seasonality of the business indicating the months of lower and higher levels of sales and the cause of such No seasonality
11. Description of the products and services that the company produces or commercializes Products/ Services Yarn Fleece Fabric
Business Segment or Target Market Textile Textile
Countries where it sells products
% Market Participation
41
% % %
% contribution to 100% of sales 80% 20% %
%
%
%
%
%
%
%
%
Primary competitor Textile Products from China Textile Products from China
12. CLIENTS. Indicate the clients that represent 80% of the total annual sales Client Name
Country
Product or services it purchases
Terms of Sale (Credit, term, contract)
Form of payment (wire transfer, check, Money order, standby LC)
Refer to Letter
Departamento de Análisis de Créditos Corporativo G&T – RS – versión 2- Ag. 2006
3 de 7
Percentage of sales to 100% of sales % %
% % % % % % Description of the sales policy (Term of credit, amounts, form of payment)
13. SUPPLIERS. Indicate the suppliers that represent 80% of your annual purchases
Supplier’s Name
Country
Product or service it supplies
Montefibre Clip Collector
Spain N/A
Fiber Clips
Terms of Sale (Credit, Term, Contract) L/C 120 Net 30
Form of Payment (wire transfer, check, Money order, standby LC) Bank Draft Wire Check
Percentage of purchases to 100% of purchases 35% 65% % % % % %
Percentage of National Purchases
Percentage of purchases in foreign countries
30%
70%
14. DISTRIBUTIONS AND LOGISTICS Describe your distributions channel • Producer– Consumer • Producer – Wholesale-Consumer • Number of points of sale • Are the points of sale leased? ¿Do you use Storage Company services? Yes/ No
Producer - Producer 1 pt. of Sale
No
Name of the Storage Company
N/A
10. INSURANCE: indicate the risks covered, policies’ expiration date, insured assets, and Insurance company’s name Is your insurance policy effective?
Expiration date of insurance policy
Amount Insured
Insurance Company Name
Earthquake, fire, and allied lines
Yes
June 2008
$2M
AIG
Machinery and Equipment
Yes
June 2008
$ 10 M
AIG
Vehicles and other transportation
Yes
June 2008
mcl
AIG
Computer Equipment
Yes
June 2008
mcl
AIG
Inventory
Yes
June 2008
$2M
AIG
Work in Process
Yes
June 2008
mcl
AIG
Interruption of labor
Yes
June 2008
$1M
AIG
Covered Risks
Performance Bond (Fulfillment of production budgets as stipulated in contracts) Insurance Company
N/A
AIG
Información estrictamente confidencial 11. BANKS: Short and long term obligations with other Banks: Indicate the type of loan. Name of Financial Institution
Type of Loan
Purpose of Loan
Term
EDC
Open
Install
10 Years
Expiration of Term
Original Amount
Balance to date
Collateral
$ 1.2 M
$ 1.2 M
None
Payment Form
Interest Rate
0%
12. PRODUCTS AND SERVICES GENERALLY UTILIZED IN FINANCIAL INSTITUTIONS: Indicate the bank’s name. In Certificates of Deposit indicate the average monthly balance. In other products mark with an X the products and services utilized.
Name of Financial Institution
Certificates of Deposit (indicate average monthly balance)
FX Purchases Indicate currency purchased and monthly average balance
We b Ban kin g
P ayr oll
Tax Pay me nts
W ire Tra nsf ers
N/A
13. LEASING CONTRACTS – operations Suppliers Name Lease Company
Type of Lease Operating Financial Lease Back
Description of leasing contracts, operating lease, financial lease, lease back
Type of Fixed Asset
Value of Contract
Monthly Value of leasing
Term of Contract
N/A
¿How does the company reflect leasing operations in the balance sheet) (Are they reflected as a liability)
14. OUTSOURCING SERVICES: Administrative or production processes that are outsourced Supplier’s Name
Type of Service
Is there a Contract
Term of Contract
Expiration date of Contract
N/A
Departamento de Análisis de Créditos Corporativo G&T – RS – versión 2- Ag. 2006
5 de 7
Monthly Payment
15. HUMAN RESOURCES: Indicate the number of personnel hired in the past 4 years and Human Resource management policies 2004
Is there a universal policy for Compensation or severance payments?
2005
2006
2007
Is there a credit policy for employees? Yes
No
Is there a Union? No
16. Accounting Policies Policy for reserves for unobtainable accounts receivables (client debt) Policy for the creation of reserves for investment in obsolete technology Policy for the creation of reserves for labor liabilities
Yes
Policy for the creation of reserves for obsolete or damaged merchandise?
Yes
Yes
Dividend Payout Policy
Yes
Yes
Policy for sales or intercompany loans between subsidiaries or related companies
Yes
Cost
Depreciation and Amortization Method
10 Years Straight Line
17. ACCOUNTING METHODS: Inventory valuation method LIFO, FIFO, average
18. Indicate the existence of any accounting fiscal, or legal contingency that may affect the contributed capital of the company
None
19. Business Opportunities derived from the Free Trade Agreement: A brief description of the way the company will assume business opportunities and threats derived from the various free trade agreements from the perspective of your business plan and strategies applicable in product development.
Información estrictamente confidencial
Refer to Business Plan
Legal Representative Signature Spiros Pantziris CEO
Departamento de Análisis de Créditos Corporativo G&T – RS – versión 2- Ag. 2006
Relationship Manager Signature
7 de 7
CLIENT PROFILE The client profile is a description of the basic qualitative aspects of the business of the credit applicant. This complements all financial and legal information and is a key element for the evaluation and decision making process of the credit process in Banco GyT Continental. Reglamento de Administración de Riesgo de Crédito – Resolución de Junta Monetaria del Banco de Guatemala JM-93-2005. Place and Date of request:
San Salvador December 04, 2007San
Relationship Manager
Graciela Garcia
Place of Request
Banco GyT Continental El Salvador
1. General Information Legal company name
Texspin, S.A. de C.V.
Commercial Name
Texspin, Spintex
(NIT)
0614-071106-101-9
Economic activity the company dedicates itself to
Textile Manufacturing
Address:
Zona Franca El Pedregal Edificio 10-B Kilometro 46 ½ Carretera a la Herradura
Phone Numbers
(503)2334-6676
Fax:
N /A
Web Site
yarntex.com
Legal Representative of Company:
Spiros Pantiziris
Country:
El Salvador
City:
Country in which the proceeds from the loan will be applied
El Salvador
El Rosario, La Paz
2. Loan Information Type of Facility:
Revolving line of Credit
Amount required:
$500,000.00
Partial disbursements: Form of Payment:
Grace Period
Term:
Collateral:
Specific purpose of the funds:
Full Security
Working capital
3. Main Shareholders and percentage of participation in company Full name of shareholder
% of participation in company % % % % % %
Refer to Letter
4. Members of the Board of Directors Full Name
Departamento de Análisis de Créditos Corporativo G&T – RS – versión 2- Ag. 2006
Position
Years in Board of Directors
1 de 7
Refer to Letter
5. Name of companies where the applicant has a participation in capital, when investment represents more than 25% of the contributed capital
Name of the companies where the applicant has participation in capital (shares) N/A
% of participation in relation to applicants contributed capital % % % % %
6. Administration: Indicate the names of the managers of the company Full Name
Age
Profession
Position in the Company
Amount of time in company
Spiros Pantziris
47 years
Engineer
CEO
15 Years
7. Companies that make up the economic group Commercial Name
Affiliates
Nit
Cobalt Capital Partners PAJNA S.A.
Country Canada Panama
Name of Holding Company
N/A
Commercial Activity Investment Fund
Country
N/A
8. EVOLUTION AND COMPOSITION OF SALES of the last years and projections 2007 Composition of annual sales
2003
2004
2005
2006
Budget 2008
Información estrictamente confidencial Total sales
5M
EBITDA % local sales % sales in other countries % of sales in dollars % of sales in foreign currency
%
%
%
%
1.3M %
%
%
%
%
100%
%
%
%
%
100%
%
%
%
%
%
9. Composition of annual sales by trimester % of sales first trimester 10%
% of sales Second trimester 30%
% of sales Third trimester 30%
% of sales Fourth trimester 30%
10. Explain the seasonality of the business indicating the months of lower and higher levels of sales and the cause of such No seasonality
11. Description of the products and services that the company produces or commercializes Products/ Services Yarn Fleece Fabric
Business Segment or Target Market Textile Textile
Countries where it sells products
% Market Participation
41
% % %
% contribution to 100% of sales 80% 20% %
%
%
%
%
%
%
%
%
Primary competitor Textile Products from China Textile Products from China
12. CLIENTS. Indicate the clients that represent 80% of the total annual sales Client Name
Country
Product or services it purchases
Terms of Sale (Credit, term, contract)
Form of payment (wire transfer, check, Money order, standby LC)
Refer to Letter
Departamento de Análisis de Créditos Corporativo G&T – RS – versión 2- Ag. 2006
3 de 7
Percentage of sales to 100% of sales % %
% % % % % % Description of the sales policy (Term of credit, amounts, form of payment)
13. SUPPLIERS. Indicate the suppliers that represent 80% of your annual purchases
Supplier’s Name
Country
Product or service it supplies
Montefibre Clip Collector
Spain N/A
Fiber Clips
Terms of Sale (Credit, Term, Contract) L/C 120 Net 30
Form of Payment (wire transfer, check, Money order, standby LC) Bank Draft Wire Check
Percentage of purchases to 100% of purchases 35% 65% % % % % %
Percentage of National Purchases
Percentage of purchases in foreign countries
30%
70%
14. DISTRIBUTIONS AND LOGISTICS Describe your distributions channel • Producer– Consumer • Producer – Wholesale-Consumer • Number of points of sale • Are the points of sale leased? ¿Do you use Storage Company services? Yes/ No
Producer - Producer 1 pt. of Sale
No
Name of the Storage Company
N/A
10. INSURANCE: indicate the risks covered, policies’ expiration date, insured assets, and Insurance company’s name Is your insurance policy effective?
Expiration date of insurance policy
Amount Insured
Insurance Company Name
Earthquake, fire, and allied lines
Yes
June 2008
$2M
AIG
Machinery and Equipment
Yes
June 2008
$ 10 M
AIG
Vehicles and other transportation
Yes
June 2008
mcl
AIG
Computer Equipment
Yes
June 2008
mcl
AIG
Inventory
Yes
June 2008
$2M
AIG
Work in Process
Yes
June 2008
mcl
AIG
Interruption of labor
Yes
June 2008
$1M
AIG
Covered Risks
Performance Bond (Fulfillment of production budgets as stipulated in contracts) Insurance Company
N/A
AIG
Información estrictamente confidencial 11. BANKS: Short and long term obligations with other Banks: Indicate the type of loan. Name of Financial Institution
Type of Loan
Purpose of Loan
Term
EDC
Open
Install
10 Years
Expiration of Term
Original Amount
Balance to date
Collateral
$ 1.2 M
$ 1.2 M
None
Payment Form
Interest Rate
0%
12. PRODUCTS AND SERVICES GENERALLY UTILIZED IN FINANCIAL INSTITUTIONS: Indicate the bank’s name. In Certificates of Deposit indicate the average monthly balance. In other products mark with an X the products and services utilized.
Name of Financial Institution
Certificates of Deposit (indicate average monthly balance)
FX Purchases Indicate currency purchased and monthly average balance
We b Ban kin g
P ayr oll
Tax Pay me nts
W ire Tra nsf ers
N/A
13. LEASING CONTRACTS – operations Suppliers Name Lease Company
Type of Lease Operating Financial Lease Back
Description of leasing contracts, operating lease, financial lease, lease back
Type of Fixed Asset
Value of Contract
Monthly Value of leasing
Term of Contract
N/A
¿How does the company reflect leasing operations in the balance sheet) (Are they reflected as a liability)
14. OUTSOURCING SERVICES: Administrative or production processes that are outsourced Supplier’s Name
Type of Service
Is there a Contract
Term of Contract
Expiration date of Contract
N/A
Departamento de Análisis de Créditos Corporativo G&T – RS – versión 2- Ag. 2006
5 de 7
Monthly Payment
15. HUMAN RESOURCES: Indicate the number of personnel hired in the past 4 years and Human Resource management policies 2004
Is there a universal policy for Compensation or severance payments?
2005
2006
2007
Is there a credit policy for employees? Yes
No
Is there a Union? No
16. Accounting Policies Policy for reserves for unobtainable accounts receivables (client debt) Policy for the creation of reserves for investment in obsolete technology Policy for the creation of reserves for labor liabilities
Yes
Policy for the creation of reserves for obsolete or damaged merchandise?
Yes
Yes
Dividend Payout Policy
Yes
Yes
Policy for sales or intercompany loans between subsidiaries or related companies
Yes
Cost
Depreciation and Amortization Method
10 Years Straight Line
17. ACCOUNTING METHODS: Inventory valuation method LIFO, FIFO, average
18. Indicate the existence of any accounting fiscal, or legal contingency that may affect the contributed capital of the company
None
19. Business Opportunities derived from the Free Trade Agreement: A brief description of the way the company will assume business opportunities and threats derived from the various free trade agreements from the perspective of your business plan and strategies applicable in product development.
Información estrictamente confidencial
Refer to Business Plan
Legal Representative Signature Spiros Pantziris CEO
Departamento de Análisis de Créditos Corporativo G&T – RS – versión 2- Ag. 2006
Relationship Manager Signature
7 de 7
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